Compliance Specialist 2

State of Montana•Helena, MT

7h•Onsite

About The Position

Our agency has an exciting opportunity for a full-time Insurance Consumer Services (ICS) Compliance Specialist. We challenge our team members to excel as individuals and as part of a supportive team. We offer mentorship, education, training, and opportunities for career growth. CSI Overview We are entrusted with protecting all Montanans by regulating two of the state’s largest industries, securities and insurance. Our mission is to foster a thriving Montana industry marketplace through education, common-sense regulation, and equitable enforcement of the law with swift accountability for fraudsters and justice for their victims. We are a criminal justice agency. Additional information about CSI, including our Vision and Mission Statement, can be found by visiting our “About CSI” webpage HERE. Why this Role Matters – meaningful public service with a direct impact on Montana consumers and the insurance marketplace ICS is committed to serving the insurance needs of Montanans with a focus on providing excellence in customer service. ICS is responsible for ensuring compliance with the provisions of Title 33, MCA and Administrative Rules of Montana (ARM) by insurance entities for insurance transactions in the state of Montana. This includes sales, underwriting and issuing of policies, claims, rescissions of policies, premium refunds and other issues surrounding insurance. This is accomplished by investigating consumer complaints and inquiries to determine whether the insurance entity is compliant with state and federal insurance laws and with the provisions of the contract of insurance issued to the policyholder. ICS has a significant role in the overall regulation of the insurance market by investigating and tracking insurance-related violations of MCA Title 33. Its efforts may prevent small violations from becoming business practices of the insurance entity that harm a class of policyholders and are difficult and expensive to correct. ICS also educates insurance consumers about their rights through public outreach and publications written and printed by the department. ICS ensures these documents accurately reflect Montana Insurance Statutes. The efforts of ICS staff are essential in establishing a regulatory system that ensures policyholders are protected from violations of insurance statutes or violations of the company’s contract provisions while enforcing a system of regulation that fosters a healthy marketplace environment for the entire insurance industry. This position is an in-office position. Did we mention the benefits? State of Montana benefits, including retirement, health insurance options, paid leave, and predictable hours – a total compensation package delivering great benefits, financial security, and a retirement you can count on. Additional benefit package information is located here. State of Montana employment may qualify you to receive student loan forgiveness under the Public Service Loan Forgiveness. Look here to learn more and understand whether or not you may qualify. Effective July 1, 2026, this position may be eligible for a $1 (or 2.5%, whichever amount is greater) statutory increase. What will the Compliance Specialist do? The successful candidate will work within our Insurance Consumer Services (ICS) Bureau and be responsible for ensuring compliance with the provisions of Title 33, MCA and Administrative Rules of Montana (ARM) by insurance entities for insurance transactions in the state of Montana. This position is an entry-level position. Training for the position may last up to one year, which is dependent on the qualifications at the time of hire. During this time, the successful candidate will be responsible for the following: Investigating and analyzing property, casualty, life, and health insurance complaints. Determining the merit of further investigation based on the type of complaint, severity of allegation, impact on the individual, and complaint history of the agent or company. Evaluating policies, rules, laws, and other factors to determine if a violation of law did occur. Compiling and documenting evidence of irregularities, improprieties, and violations of civil and administrative codes. Determining if there is sufficient evidence to recommend action for administrative or criminal procedures. Testifying on insurance practices, procedures, and policies in administrative hearings. Engaging in dispute resolution to settle consumer complaints and advocate on behalf of the consumer. Providing insurance information to consumers using knowledge of state and federal insurance laws, rules, regulations, procedures, case law, and common business practice.

Requirements

Bachelor’s Degree in Business or related field.
Minimum of three (3) years of related insurance experience.
Strong written and oral communication skills and must be able to handle a variety of sensitive communications with individuals, both externally and within the agency.
Ability and willingness to provide excellent customer service and conduct effective investigations.
Knowledge of insurance industry-specific rules, regulations, and statutes to determine the nature of violations or discrepancies, and the type of action to be taken.
Knowledge of all lines of property &casualty and/or life & health insurance regulations for the state.
Skill in handling complex legal disputes, be able to interpret governmental regulations, and make informed decisions that are supported by legal analysis and facts.
Ability to manage a heavy caseload
Effective time management and capable of working with minimal supervision, sometimes under tight deadlines.
Willingness to learn and cross-train on either Life and Health or Property and Casualty complaints.

Nice To Haves

Three or more years of Property & Casualty or Life & Health experience is preferred.
A combination of education and experience will be considered on a case-by-case basis.

Responsibilities

Investigating and analyzing property, casualty, life, and health insurance complaints.
Determining the merit of further investigation based on the type of complaint, severity of allegation, impact on the individual, and complaint history of the agent or company.
Evaluating policies, rules, laws, and other factors to determine if a violation of law did occur.
Compiling and documenting evidence of irregularities, improprieties, and violations of civil and administrative codes.
Determining if there is sufficient evidence to recommend action for administrative or criminal procedures.
Testifying on insurance practices, procedures, and policies in administrative hearings.
Engaging in dispute resolution to settle consumer complaints and advocate on behalf of the consumer.
Providing insurance information to consumers using knowledge of state and federal insurance laws, rules, regulations, procedures, case law, and common business practice.